Hassle-Free Home Loans in Minnesota, South Dakota, & Beyond
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Connect with a mortgage specialist in less than 10 minutes
Upload all your documents in our easy online application
Let us fit you in the right mortgage for your situation
Why Choose Heritage Bank?
At Heritage Bank, we’re not all about us. We’re about you… our customers, our communities, and our employees. Our mission is to help people succeed financially. Specifically, that means:
- Helping customers meet their goals and achieve their dreams
- Supporting our communities and helping them thrive
- Providing gainful and enjoyable workplace for our employee owners
- Providing a sound and profitable return for our investors
Our products and technology have evolved along with the markets we serve as we have grown steadily over the generations. Yet, we maintain the traditional values from our roots as a Midwestern community-focused bank… It’s our heritage.
Homebuyer Programs
First-Time Home Buyer
Down payment assistance and special incentives for first-time home buyers.
Down Payment Assistance
Up to $18,000 down payment and closing cost + unique monthly payment options from Minnesota Housing and South Dakota Housing Development Authority.
FHA Mortgages
Great for 1st or repeat home buyers looking for great rates and low down payments.
USDA Loans
No down payment USDA financing, eligible to qualifying rural home buyers.
Ready to connect with a mortgage lender?
Our Mortgage App
Applying for a mortgage can be stressful, but the MyLoan app from Heritage Bank makes it simple, efficient, and stress-free. Check out these great features:
- Snap a picture of your documents and upload them securely
- Track your loan progress through every step
- Easy-to-use calculators for affordability, purchase, and refinance
- Glossary of mortgage terms to keep you in the know
Mortgage Resources
Understand and Improve Your Credit Score
Improving and maintaining a good credit score isn’t just a financial goal—it’s necessary for anyone planning a significant purchase, like buying a home or a car. Yet, many of us don’t fully understand the factors that impact credit scores or how to improve them effectively.
Property Fraud Alert
Property fraud and identity theft are on the rise. Select County Land Records offices offer Property Fraud Alert, a no-cost service that notifies subscribers when a document is recorded with their name on it in the participating County Land Records Office.